Guide · Discover
Convert Discover statements to Excel, CSV or QuickBooks®
Download your Discover statements, drop them into Pennyrow, and get every transaction as a clean spreadsheet, with a check that each statement adds up. Free. Your statements are read inside your browser; we never upload, receive, see or store them.
Step 1: download your statements from Discover
- Log in at discover.com (or capitalone.com if your account has already moved).
- Open your statements.
- Pick the statement period.
- Download or open the PDF.
Discover's help pages don't describe the app steps. The website steps work in a phone browser too.
Discover's help pages say up to 24 months of transactions can be seen online. They don't say how many years of PDF statements are kept.
Good to know
- Discover is now part of Capital One. Accounts are moving to the Capital One website and app, and after the move they can no longer be viewed on discover.com. Save the statements you need before your account moves.
- For a full year, download each monthly PDF statement.
Checked October 13, 2026 against Discover's help pages: www.discover.com/mobile/data/footer/faq_txn.html, card.discover.com/onlinepayments/info-about-paperless-statements.html, www.capitalone.com/updates/discover/card-faqs. Banks move menus around; if a step has changed, the help page has the current one.
Step 2: drop them into Pennyrow
- Open Pennyrow and choose your files, or drag them in. A whole year at once is fine, and you can mix Discover with your other banks and cards.
- Each statement gets a balance check: opening balance plus money in, minus money out, should equal the closing balance. You see "✓ Balanced", or which row is off and by how much.
- Catch-up checks look across all your files: missing months, statements that don't follow on from the last one, the same transaction in two files, and transfers between your own accounts (including card payments) so they aren't counted twice.
- Export: Excel (.xlsx), CSV, a QuickBooks Online bank CSV, a QuickBooks Desktop .iif file, or OFX.
If a Discover statement doesn't read right
- Pennyrow reads statement layouts with general rules, not a Discover-specific template, and it hasn't been tried on every Discover layout. The balance check is how you know: if a statement doesn't balance, Pennyrow shows the row that's off so you can fix it.
- Scanned or photographed statements can't be read (there's no OCR). Download the PDF from Discover's site instead of scanning a paper copy.
- Password-protected PDFs open with your own password, used only in that tab.
- If a layout keeps failing, tell @minsoesantun which Discover account type it was. Please don't send the statement itself.
Questions
Is it free?
Yes. Converting statements, the catch-up checks and every export are free.
Does my Discover statement get uploaded?
No. The converter page is locked so it can't make network requests, and it works with Wi-Fi off once it's open. Here's how to check that yourself.
Do I need to sign in to Discover through Pennyrow?
No, and you never should. You download the statements yourself; Pennyrow never asks for a bank login.
Does it make a .qbo (Web Connect) file?
Not yet. For QuickBooks Online use the bank CSV export; for QuickBooks Desktop use the .iif export.
Other banks and cards
Any bank or card with text PDF, CSV, OFX or QFX statements can work; these guides cover where to download them.